Personal loans in Cuba, MO
The Census counts 3,198 people in Cuba, the 179th-largest figure among Missouri's 937 places. Personal loans in Cuba are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 3,198 population.
Price two or three terms so you can see which payment is truly affordable in Cuba. For the 3,198 people in Cuba, Missouri runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Cuba gained roughly 0.9% in population across the 2020-to-2023 comparison. The closest larger place is St. James, MO about 12 miles away.
Borrowing in Cuba: the local picture
Most of what governs a Cuba loan is written in Missouri law rather than in the city; the sourced notes below make that split concrete.
- Population: 3,198 residents; Cuba is the 179th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 0.9% across the 2020-to-2023 comparison.
- People gained or lost: about 29 more since the 2020 base.
- Size percentile: about 81% of Missouri's Census places are smaller than Cuba.
- Density: roughly 1,002 residents per square mile, spread over 3.2 sq mi of land.
- By land area: Cuba ranks 196th among Missouri's 937 places, at 3.2 sq mi.
- Within Missouri: about 0.1% of the state's population lives in Cuba.
- National standing: Cuba ranks 6,075th of 19,457 US places.
- Growth rank: Cuba's 2020-to-2023 change ranks 378th of 937 places in Missouri.
- Versus Missouri: the state average change is +0.8%, while Cuba moved 0.9%.
- Density rank: Cuba places 310th among Missouri's places by people per square mile.
- Density vs Missouri: Cuba's 1,002 people per square mile compare with a state median of 743.
- Location: mapped by the US Census Bureau at 38.0671, -91.4057.
- Nearest larger cities: St. James (12 mi); Sullivan (17 mi); Rolla (21 mi); St. Clair (30 mi); Salem (30 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Leasburg (6 mi); Steelville (7 mi); Bourbon (10 mi), each with its own Census population profile.
- Smaller places within 50 miles: 55 of them.
- At 100 miles: 133 larger Census places fall inside that radius.
Getting a loan in Cuba
Cuba is a moderately settled community of about 3,198 people, with 13 larger places inside a 50-mile radius. What is available to Cuba's 3,198 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. The nearest bigger place is St. James, MO about 12 miles away.
The geography behind Cuba
Cuba's land area is roughly 3.2 square miles, and the Gazetteer records no significant water area within it. With 3,198 residents, the land area yields roughly 1,002 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 185 miles. Within 50 miles of Cuba there are 13 larger Census places. The 100-mile radius contains 133 larger places.
How Missouri law applies in Cuba
This table holds the Missouri rate and licensing rules for consumer loans made to Cuba's 3,198 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Missouri Division of Finance (Department of Commerce and Insurance) Source says: "We regulate state-chartered banks, trust companies, consumer credit facilities, mortgage brokers, and savings and loan institutions" | Missouri Division of Finance as of 2026-09-16 |
| Payday lending status | Legal and licensed — unsecured loans of $500 or less require a license from the Director of the Division of Finance (RSMo § 408.500) Source says: "in the business of making unsecured loans of five hundred dollars or less shall obtain a license from the director of the division of finance" | Missouri Revisor of Statutes as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer credit lenders licensed and regulated by the Division of Finance's consumer credit section (Chapters 367 and 408, RSMo) Source says: "The consumer credit section of the Missouri Division of Finance is responsible for licensing and regulating various types of consumer finance companies" | Missouri Division of Finance as of 2026-09-16 |
Where Cuba sits in Missouri
Cuba is the 179th-largest of 937 Census places in Missouri and contains about 0.1% of the state's people. For population change between 2020 and 2023, Cuba ranks 378th of 937 in Missouri (about the 60th percentile). At about 1,002 people per square mile, Cuba is the 310th most densely settled place in Missouri. In land area, Cuba ranks 196th among Missouri's 937 places.
The anatomy of a Cuba personal loan
Cuba is a small community of about 3,198 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Cuba's rank of 179th in Missouri: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Cuba decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Cuba if my credit is poor?
What loan size can I expect in Cuba?
Do I have to pledge anything to borrow in Cuba?
Does comparing loans in Cuba cost me credit score points?
Nearby places
- Steelville, MO — population 1,443
- Leasburg, MO — population 316
- Bourbon, MO — population 1,529
- St. James, MO — population 3,903
- St. Cloud, MO — population 41
- West Sullivan, MO — population 280
- Sullivan, MO — population 6,829
- Owensville, MO — population 2,796